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Chase Liquid Prepaid Card Review

April 20, 2017
Banking, Prepaid Debit Cards
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We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

Chase Liquid Prepaid Debit Card
NerdWallet’s rating: 4.5 / 5.0

The Chase Liquid prepaid debit card stands out for charging few fees and providing a handful of ways to load cash, but it’s available only in the 23 states that have Chase branches. If you live in one of those states, the card can be a low-cost prepaid option with good web services and a generally robust ATM and branch network.

If you don’t live in one of these 23 states, check out our list of best prepaid debit cards.

The bottom line

  • Five free ways to load money, including deposit-accepting ATMs
  • Strong online services, but no check-writing or savings features offered
Our ratings
General fees and features
Purchases and withdrawals
Other services
NerdWallet’s overall rating is a weighted average of four categories listed.

Here are more details about the Chase Liquid’s fees and services.

General fees and features

4.0 / 5.0

Chase charges a reasonable $4.95 monthly fee and no inactivity or closure fees, but you must visit a Chase branch to open the card. Getting the monthly fee waived is tough.

  • No inactivity, opening or closing account fees
  • Free card replacements

  • Can open the card only in person at a Chase branch
  • Hard to get the monthly fee waived, because that requires you to have a high-end Chase checking account, such as Premier Plus Checking
  • Minimum initial load of $25 is required

Purchases and withdrawals

5.0 / 5.0

Chase Liquid makes it easy to avoid transaction fees; you can withdraw money for free through its national branch and ATM network. There aren’t any charges for purchases or declined transactions, either, and the card works at merchants that accept Visa.

  • More than 16,000 Chase ATMs
  • Ability to get cash back at retailers
  • No fee to withdraw cash at non-Chase bank branches — but the other bank may charge a fee
  • Chase ATMs available in only 26 U.S. states
  • $2.50 fee for non-Chase ATM withdrawals
  • No withdrawals at convenience stores


5.0 / 5.0

You have five free ways to load money onto Chase Liquid, which is more than what many other cards offer.

  • Free direct deposit
  • Free mobile check deposit with quick processing
  • Free reloads at about 5,100 Chase branches
  • Free cash and check deposits at more than 11,500 ATMs (out of a total of more than 16,000 Chase ATMs)
  • Free online transfers from Chase checking or savings
  • No reloads at convenience stores

Other services

4.0 / 5.0

Free online bill pay, customer service and ATM balance inquiries are available, but no check-writing or savings features.

  • Free online bill pay
  • Free ATM balance inquiries in Chase’s network
  • Free 24/7 customer service line
  • Free transfers using Chase QuickPay to friends and family who use the same transfer network, clearXchange
  • No check writing
  • $5 fee for money orders
  • No savings account or feature

» Looking for a savings option? Check out NerdWallet’s best high-yield online savings accounts

A card with strong features but limited reach

The Chase Liquid card boasts free, high-quality web services and options for loading and withdrawals, but it isn’t available in more than half of U.S. states. It also comes up short on additional services such as savings features.

If you’re in a state with Chase branches and ATMs and want a prepaid card with many free services, especially online, this card can be a solid option. Otherwise, consider a prepaid debit card with prepaid debit card with a more convenient ATM and reload network.

Spencer Tierney is a staff writer at NerdWallet, a personal finance website. Email: Twitter: @SpencerNerd.

Updated April 20, 2017.

Ratings methodology

NerdWallet’s overall rating is a weighted average of these four categories: general fees and features (40%), purchases and withdrawals (35%), reloads (15%) and other services (10%). Factors we consider, depending on the category, include fees, ATM access, reload options, breadth of merchant acceptance, account features and limits, consumer-facing tech and customer service. Because prepaid debit cards help to manage money without using credit, any overdraft program gets penalized under the “purchases and withdrawals” category. Several Nerds contribute to prepaid debit card ratings to ensure consistency and accuracy.